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Investing for children
Don't let your children's savings sit in the bank where they lose value. Open for them an online investment portfolio at a reduced fee. One standing order and you're done!
Fee
The fee is calculated from the value of the portfolio and once a month we deduct 1/12 of the annual fee. The price includes:
- processing of deposits and withdrawals in unlimited quantities
- unlimited number of ETF purchases and sales
- rebalancing (if you don't want to turn it off voluntarily)
- processing of incoming dividends (applies to classic portfolios)
- currency conversion EUR↔CZK at the current market rate
- tax documents for the possible tax return submission
- customer support via chat, e-mail and phone
Transparent fees:
Fondee fees
VAT
Total costs / fees
Fondee fees 0.2% per annum
We have reduced investment costs for children´s accounts to a minimum. The fee includes complete management of the children's portfolio.
VAT 0.04% per year
According to the law, our activity falls under financial services subject to VAT.
The fee is rounded; the exact rate can be found in the price list.
Terms and conditions
Access and ownership of investments
An investment account is created by a parent (or other legal representative) in the name of the child who owns the account. If the child has its own e-mail address, it is possible to set up an access for the child as well to see the behaviour of investments. All rights are transferred to the child when it comes to an age of 18th birthday and the account becomes a classic investment account with regular fee. The child may decide to withdraw all funds or just a part of it, or to keep the investments growing.
Portfolios and deposit limits
One portfolio isn´t enough, because you want to invest in several goals of your child? Within each child´s account, it is possible to have up to 3 portfolios with different investment profiles. Not only parents, but also other relatives or acquaintances may deposit money into children´s portfolios! Deposited funds are credited to the portfolio based on the note to the recipient when the payment is sent. Parents, children and other persons with a verified bank account with Fondee can deposit money into children´s portfolios without limit. Deposits from third parties (e.g. other relatives or acquaintances who are not Fondee clients) are limited to CZK 23,000 (from one bank account) per year per child.
Money withdrawal before 18th birthday
In case you need to withdraw your funds before your child´s 18th birthday, no worries - we will deduct the difference between the fee you have paid so far and our regular fee from the amount. The transfer can take up to a week.
Why invest for children with Fondee?
Lower fees
We're happy to support you in your long-term investment for children, so we offer a discounted fee of 0.24 % (0.85 % lower than other Fondee investments!) on children's accounts.
Secure your future
Give your children an amount that will really help them in the future. In a few years, today' s thousand won't buy the same what it does now. Unlike savings or building savings, investments have a chance to beat inflation.
Education of children
It' s not just about money for school or first home. Children can have their own access to their Fondee account and watch how the investment is doing. This way they learn about finance and gain valuable experience.
Sustainable investments
Values and returns understand go hand in hand. Invest sustainably in portfolios that have beaten classic investments in recent years.
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